The Best Small Company Medical Aid in South Africa.
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5 or more employees, earning less than R40 000 per month?
Momentum Health4Me is the only plan you need to consider.
It is your answer for quality, affordable healthcare, that saves your employees money and rewards your company.
You know it is vital that your valuable employees need to be as healthy as they can.
That anyone can suffer a medical concern at any time.
And that Private healthcare solutions, like medical aid, remains unaffordable for a large portion of the workforce.
Well, that is no longer the case!
Momentum Health4Me offers access to private healthcare services and facilities for day-to-day benefits, specialist visits and emergency or in-hospital cover.
Over 110 000 lives have joined this plan!Cover is for either employees only or employees and their dependants, again you choose.
Unique features
You choose to provide cost-effective cover for varying levels of day-to-day costs and a comprehensive set of major medical events, such as accidents and emergencies, most suitable to your employees' needs and budget.1. Health4Me Day-to-day Benefits
The ideal, affordable cover for your employees’ everyday healthcare needs.There are three levels of day-to-day benefits to choose from, ranging from the top Gold plan, an intermediary Silver plan , through to the reduced benefit Bronze plan.
Covers expenses such as:
- Unlimited GP consultations through a wide network of doctors (GPs.) Access to benefits at Momentum CareCross Network GPs.
- Specialist benefit with the Gold plan.
- Hello Doctor, where members and their families can talk to a doctor by phone, anytime, anywhere, in any language - for free.
This can certainly reduce the need to take time off from work for a visit to the doctor, as well as save the expense associated with a doctor consultation. - Over-the-counter medication.
- Flu vaccination.
- A comprehensive maternity benefit, offering antenatal GP visits, 2 2D foetal growth scans, antenatal vitamins and antenatal pathology tests.
- Unlimited Chronic illness cover, including pathology and radiology monitoring when related to the chronic condition.
26 Chronic conditions are covered. (Only on the Gold plan.) - HIV benefit. (Only on the Gold plan.)
- Basic and emergency dentistry at network dentists. Fillings, extractions, infection control, cleaning and polishing of teeth.
(Not with the Base plan) - Basic optometry benefits every 2-years. (Not with the Base plan)
- 1 Positive COVID-19 screening test is covered per member, per year.
- An annual health assessment paid.
- Advice for road accident and injury on duty claims.
2. Health4Me Major medical events benefits
Major medical events benefits (which can only be taken in conjunction with Health4Me Day-to-day Benefits.) provide your employees with access to accident and emergency cover, a hospital cash benefit, maternity lump sum benefit, and funeral benefit (including a repatriation benefit).There are 2 levels of medical event benefits - the comprehensive Standard option and the limited Base option.
Both plans offer:
Accident and emergency cover which has 3-benefits:
- Accident cover consisting of a Casualty and an In-hospital benefit at a private hospital.
An accident means a medical emergency that is an external, unexpected event that is not traceable, directly or indirectly, to a member’s state of mental or physical health prior to the event. - Emergency (heart attack or stroke), that meet the qualifying criteria, are covered at a private hospital.
- Emergency transportation, stabilisation and treatment cost paid in case of an accident that requires immediate medical treatment.
Accident and emergency cover includes emergency transportation, stabilisation and treatment, diagnostic scans (like MRI and CT scans), take-home medication, internal and external prosthetics, orthotics and assistance devices, rehabilitation services (like step-down services, wound care, physiotherapy and occupational therapy), subject to both clinical approval and per event limits.
In the case of medical emergencies that do not fit the qualifying criteria, transportation, stabilisation and treatment at a State facility will be covered.
Hospital cash and maternity lump sum benefit.
- The hospital cash benefit pays you a daily benefit amount per day spent in hospital, provided that you are in hospital for more than two days. This benefit helps you to pay for any unexpected costs that you may have due to being hospitalised, such as transport for your family to visit you while you are in hospital, or to supplement your income due to time taken off from work.
- A Maternity lump sum benefit is paid if hospitalisation is due to childbirth, irrespective of the number of days that the member has been hospitalised.
Funeral
The funeral benefit will help pay for the funeral expenses in the event that the member, spouse or a child passes away.
It includes a repatriation benefit should the member or a listed dependent, pass away within South Africa or a neighbouring country, (Botswana, Lesotho, Mozambique, Namibia, Swaziland or Zimbabwe), more than 100kms from their normal place of residence.
Brochure, benefits and limits.
Limits and waiting periods may apply.
If you provide your staff with affordable healthcare, you can benefit by:
- Improving your business productivity, as healthy employees are far more efficient.
- Boost company loyalty as employers that provide healthcare solutions for their employees, foster loyalty. This, in turn, helps reduce your staff turnover.
- Empowering employees to take better care of their health resulting in improved lifestyles and increases life expectancy.
- Improving staff wellness through every-day access to quality, private healthcare.
- Reduced absenteeism because healthy employees get sick less often and take less time off work, now they have access to affordable healthcare cover.
- Member education on how to access and use benefits is provided by Momentum. This greatly increases the value of the healthcare cover.
- Employer support through your own company web portal, with online training on how to manage the product.
Your staff can benefit through:
- Unlimited access to a doctor, 24/7 either by chat, phone call or video call (virtual) consultations. Includes scripts for listed medication where required.
- Unlimited access to online/mobile health information.
- Extended family benefits.
- Personal tailoring of the health insurance to suit their needs and budget.
- Choice of provider, as they can use any Network doctors, dentists, and optometrists.
- Chronic medication delivered to home or office.
- Comprehensive maternity benefits like scans and tests.
- Accident and emergency cover including casualty and in-hospital treatment for accidents and certain emergency events, such as heart attacks and strokes.
- A daily Hospital cash benefit.
- A maternity lump sum benefit.
- Funeral benefits.
Free, value-added benefits
More4Me (for 15 or more), incentivise members with monthly airtime, data or Shoprite and Checkers shopping vouchers, based on a Healthy Heart Score.
Employee Wellness Programme. The goal is to maintain healthy employees in both mind and body because, with employees at their peak, your business performs at its best.
It consists of:
- Employee Assistance Programme.
To help your employees cope with life’s pressures, give them access to physical, emotional, psychological counselling and social well-being. It includes legal assistance, credit health, and debt management services.
- “Coach in your Pocket” is a feature in the Momentum More Health digital App for employees. It provides access to legal and financial experts, counsellors, and medical doctors, with the ability to book and save appointments and receive advice telephonically or digitally through a virtual consultation.
A whole new way of managing health as employees skip the waiting rooms, stay at home or the office, forget the unnecessary bills and stop relying on the internet for health advice and support. - Virtual wellness café where employees can access written, digital content and resources (like nutrition, movement, sleep, mindfulness), to provide them with reliable advice, recommendations and guidance.
- Health and wellness screening awareness of physical and mental health, is achieved through screening and early detection Your employees can get tested at a pharmacy clinic, with a biokineticist, at a Momentum wellness on-site clinic or at a digitally enabled company wellness day.
- The Free Multiply Starter is Momentum’s rewards programme. Your employees can earn rewards, discounts, and cash-backs from a range of partners Mango, Virgin Active, Makro, Nandos and the Multiply online shop.
What’s the difference between health insurance and medical aid?
Health insurance covers a defined list of benefits, paying a set amount with a qualified claim. It is cover, best designed for day-to-day medical costs. It can also provide limited in-hospital cover, which is serviced through its network of approved providers. These policies can also include death and funeral cover.
A Medical Aid scheme is registered with the Registrar of Medical Schemes. Members pay a monthly premium, to get cover for a set of standardised minimum medical cover benefits,
Note: Health4Me is not a medical scheme product, and is not a substitute for medical scheme membership.
Private healthcare providers can charge up to 500% of medical scheme rates.Medical aids add procedure co-payments as well.
These are significant concerns for medical aid members.
Protect yourself against these potential threats, by joining Cura's GAP or top-up insurance plan.
OR Zest GAP or top-up insurance plan.
This separate insurance will cover most in-hospital claim shortfalls and any co-payments. It is a vital safety net, ensuring you have adequate benefits for medical treatments without bearing the full burden of unexpected costs.
Protect yourself from soaring medical expenses by bridging the gap between medical scheme rates and the charges imposed by private providers.
Specialised Dental treatments can be extremely expensive!The costs of braces, root canal, implants and so on, can run into thousands of rand. Most treatments are done out of hospital, so are funded from your savings. That can result in less money available for other medical needs and family limits being used on one member only!
Dental treatment is something we all need and it is vital you consider the Best Dental Insurance Plan OR Most Affordable Dental Planin South Africa.
No Medical Aid or have a Hospital Plan only? This plan will help you meet the high costs of both normal and specialised dentistry!
Health4Me is really affordable healthcare for small businesses!
You MUST investigate this health insurance for your company and employees!
Join now download Health4Me application
Download thel members isting form.
You must consult the schemes/company product brochures and rules for comprehensive benefit descriptions.
Talk to me .... I am here to help you - at no charge!
Send me your questions and concerns. I'll answer them for you.
083 655 2164
You must consult the schemes/company product brochures and rules for comprehensive benefit descriptions.
We will offer you the best help at no cost!
Medical aid pays healthcare costs.
What if a disability stops your income?
YOUR TRUSTED, QUALIFIED ADVISOR:
Peter Pyburn - Authorised Financial Services Provider, fully licensed to render financial services since 1991. Death and Disability Planning; Retirement Planning; Investment Planning; Healthcare and Estate Planning.
Disclaimer, Medical Disclosure
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Last update: January 18, 2025